Can graduates take out loans? Can college graduates take out loans

Hello, this depends on your specific loan, generally some illegal ones will definitely give you a loan, but the regular loan must be guaranteed, otherwise it is impossible to assess your ability to repay, so the risk of the bank is too high, it is recommended not to contact illegal loans, just graduated students should not spend much money, good luck!

First of all, you must know what you want to do, so that the goal is clear, after thinking about it, you can pick a good platform, the development space is good, and then study hard in the post, learning will definitely have a harvest, and there is room for promotion while growing up for a long time.

If you want to go to the store to learn, you can directly find a good business to go to work, you can not only learn technology, but also make money and learn business models.

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Summary. Of course, you can take out a loan.

Can college graduates take out loans

Of course, you can take out a loan.

For example, college students' entrepreneurial loans, consumer loans, etc.

What is the maximum amount you can borrow?

I still have a loan during my studies, can I continue to bring it?

Because the university got a student loan, and I haven't paid it back, can I continue to take out a loan just after graduation?

Due to the different policies related to entrepreneurship loans for college students in different regions, the application conditions will also be different, please consult the banking department for matters related to entrepreneurship loans.

Student loans can be repaid slowly at a later stage.

I mean, if the student loan hasn't been paid off yet, can I continue the loan?

As for the amount of money, it depends on what kind of loan you are making, and everyone's conditions are different, so I can't tell you the amount.

Yes. I mean, student loans don't affect you from taking out other loans. After you graduate, pay it back slowly, and the student loan will only have interest after you graduate.

How much you can bring in general.

More than 100,000, depending on the region. It is recommended that you go to the industrial and commercial department, bank, or local village committee community to learn about college student entrepreneurship loans.

Friends, pay attention, the start-up loan is really a business, and it is the kind that requires a business license.

On our side of Chengdu: college students in Chengdu who set up entrepreneurial entities (excluding "**" and agricultural professional managers) can apply for interest discounts from the human resources and social security departments of the district (city) and county where they study after obtaining a guaranteed loan with an amount of no more than 100,000 yuan and a term of no more than 2 years according to the regulations.

Quota related: Ordinary college graduates within 5 years of graduation, students returning from studying abroad and college students within 5 years of service can apply for a personal entrepreneurship guarantee loan with a maximum amount of 200,000 yuan; Small and micro enterprises can apply for a guaranteed loan of no more than 3 million yuan; In the case of a partnership start-up, the loan amount may be appropriately increased according to the number of partners and entrepreneurs, and the upper limit of the total amount of partner loans shall not exceed the maximum amount of guaranteed loans for small and micro enterprises starting a business of 3 million yuan.

If not start-ups.

Then you need to look at what kind of loan you want to make.

If you have a job, you can do consumer loans.

What do you want to borrow, that's the point.

For example, if you buy a house, of course you can take out a loan, right?

Fresh graduates can take out loans, but they must go to a regular bank.

College students refer to a group of people who are receiving basic higher education and professional higher education and have not yet graduated or have graduated from higher education and entered the society.

As a cutting-edge group of new technologies and ideas in society, and a high-level professional trained by the state, college students represent a young and energetic group, the main force of pioneering construction and creation, and the main group of people who promote social progress.

Basic qualities

1. It is necessary to have a correct outlook on life, values, aesthetics, and a certain degree of ideological and moral cultivation and humanistic quality.

2. To have certain scientific and cultural knowledge and skills, the most important thing is to be able to get a certificate and complete credits. With the increasingly tense employment situation of college students, college students are no longer the pride of the sky, but have become synonymous with the disadvantaged groups, in this social context, college students are required not only to have a certain textbook knowledge, but also to really master a learning method and certain work skills.

3. Have a strong physique and perseverance. In order to meet the severe employment situation after graduation, college students should have the spirit of "Tianxingjian, gentleman with self-improvement".

4. Have good social communication skills and social practice skills. With the development of society and the severity of the employment situation, good social communication and social practice ability are what contemporary college students should have, so that they will not be eliminated by the society and become the pillars of the country.

Today's college students face a lot of pressure, and it is not the previous era when college students were hard to find jobs; In this day and age, college students are everywhere, undergraduates are everywhere, and graduate students are everywhere! In today's highly educated and high-pressure society, manyThere is also a certain problem with the work of people!

Hard to find a job! Today, if there are college students who have gone out to work in the summer, we all know that it is very difficult for college students to find summer jobs, unless they enter some electronics factories, but which college students are willing to be this kind of cheap labor, in my opinion, many factories, long working hours, people are mixed, and the work content is relatively simple, but in the long run, you need to repeat a job, so that people's minds will be more empty, thinking will be slow! <>

College students are almost all cheap labor in the summer vacation, for example, I am in a tutoring agency, and the salary is about 2,000 yuan for almost 40 days, but because I didn't think carefully when I signed the contract, I signed the overlord contract! We are responsible for recruiting students in the tutorial class in the early stage, and serve as the tutor teacher in the later stage, but the salary is only about 2000 yuan, which is cheap!

College students can apply for a college student entrepreneurship loan! Many college students are confused for a long time after completing their studies and cannot find a job of their choice, which leads to long-term abandonment at home and loss of confidence in life! In order to encourage more college students to start their own businesses and innovate, the state has set up this loan program!

If a college student does not find a job within six months of graduating from university, he or she can apply for a college student entrepreneurship subsidyBut this requires the university student to have a fixed residence and the ability to repay the interest, as well as a business license! The interest rate of this start-up subsidy is definitely much lower than the interest rate of borrowing money outside! Therefore, the national policy has changed a lot now, and most of them are for the sake of the country and the people!

The country is getting better and better, and more and more attention is being paid to college students, and I feel very happy and gratified!

Fresh graduates can take out a loan from a bank, but to know what the loan needs are, they need to submit a loan application. And there must be collateral.

Of course. As long as you have a certain entrepreneurial project, and this entrepreneurial project has been reviewed by the bank, you can take out a loan.

Of course, fresh graduates can take out a loan from a bank, as long as they prepare all the procedures and materials.

Legal Analysis:

A bank loan for college students is sufficient as long as the following requirements are met:

1. Proof of identity and place of business.

The loan applicant must have a legal and valid identification certificate and proof of legal residence in the location of the lending bank, as well as a fixed residence or place of business. The proof of fixed residence can be the real estate certificate (the real estate certificate in the name of the parents can also be used), and the certificate of the business place should hold the business license issued by the administrative authority for industry and commerce and the business license of the relevant industry, indicating that it is engaged in normal production and business activities.

2. Proof of funds.

The loan applicant's investment project requires that he or she already has a certain amount of own funds. This is an important condition for banks to assess whether to borrow, because the amount of entrepreneurial loans is generally not more than 70% of the total amount of working capital required for the borrower's normal production and business activities, as well as the purchase (installation or repair) of small equipment and franchises.

3. Settlement account.

The loan applicant must open a settlement account with the bank to which the loan is made, and the business income must be settled by the bank. Moreover, the purpose of the loan is in accordance with the relevant laws of the state and the credit policy of the Bank, and it is not allowed to be used for other speculative investment projects such as equity equity.

4. Loan guarantee.

Loan applicants need to provide certain guarantees, including real estate mortgages, deposit certificate pledges and third-party guarantees, and provide some information about their credit status, repayment ability and loan investment to the bank as much as possible, which will increase the credit of the loan and facilitate the smooth acquisition of the loan.

Legal basis: Civil Code of the People's Republic of China

Article 679:A loan contract between natural persons shall be established when the lender provides the loan.

Article 680:Usurious lending is prohibited, and the interest rate on loans must not violate the relevant provisions of the State.

Derivative question: What are the bank loan conditions for college students?

1. Be at least 18 years old and have full capacity for civil conduct, and have a valid residence certificate and identity certificate;

2. Have a stable legal income and proof, and have the ability to repay the loan and interest;

3. When the loan business has a requirement for a down payment, have the ability to pay the full down payment;

4. For example, a large amount of personal loan needs to meet the conditions of the collateral required by the bank;

5. If you apply for a credit loan, you need to have a good reputation;

6. Meet other conditions required by the bank.

1. Students who have just graduated can choose an online loan platform, and they must choose a formal online loan platform, as the handling fee of this type of platform will be higher than that of banks and formal financial institutions;

2. Choose banks and financial institutions for credit loans, and if you want a large amount and a high approval rate, you can apply after 6 months of work.

1. According to the difference in repayment period, loans can be classified as: short-term loans, medium-term loans and long-term loans;

2. According to the different forms of repayment, loans can be classified as: demand loans, term loans and overdraft loans;

3. According to the difference in loan purpose or loan target, loans can be classified as: industrial and commercial loans, rural loans, consumer loans, commercial paper broker loans, etc.;

4. According to the difference in the guarantee situation, the loan can be classified as: discount loan, bill mortgage loan, goods mortgage loan, credit loan, etc.;

5. According to the difference in the amount of loans, loans can be classified as: wholesale loans and retail loans;

6. According to the difference in the form of loan interest rate commitment, loans can be classified as: fixed-rate loans and floating-rate loans.